WHAT THE RECORD CONTROLSThe final premium follows actual exposure and supported adjustments
Texas’s approved manual says the final payroll review compares actual payroll and developed premium with the estimates used when the policy was issued. California’s reporting plan shows that the extra half-time portion of time-and-a-half pay can be excluded when records support it. A payroll export that hides the premium portion, or a certificate that does not match the paid entity and policy dates, can change what the carrier can verify. Texas source · California source
01Who this is for, and the moment they are in
You run a contracting company, restaurant, landscaping crew, cleaning or staffing business, or trucking operation. The policy expired, the carrier requested payroll journals, tax records, overtime detail, and subcontractor support, and either you are preparing the records or comparing them with a finished carrier statement. The worksheet is for that reconciliation. It keeps the carrier’s codes in place and makes payroll, overtime premium, owner treatment, and subcontractor support traceable.
Brokers are also here. If you sold the policy and would rather hand your client a reconciled worksheet than explain overtime excess on the phone again, the $49 broker tier is the same worksheet with your name on it.
02What you get
The free check is one email: for your state, whether the premium portion of overtime appears excludable when records show it separately; what a matching subcontractor certificate establishes and which relationship facts remain; and the document list, so you gather the record once. If what you describe sounds like the bill is right, the email says that instead.
The $49 worksheet is built from your payroll export and declarations page, and it arrives within two business days. It lays out payroll under the codes already shown on the policy; removes the overtime premium where the state rule and records permit; applies sourced officer and owner payroll limits or exclusions; and lists each subcontractor with certificate, payment, and relationship support.
The $249 rebuttal packet starts from the carrier's statement and arrives within three business days. It recomputes the statement line by line; places the carrier’s code beside the duties you describe; shows overtime-premium and severance adjustments; matches subcontractor documents to the payment ledger; states each dollar divergence; and drafts the letter you or your broker sends. It also lists records to preserve for the next policy period.
| Class | Employee / role | Gross | OT premium | Subject payroll | Auditor's figure |
|---|---|---|---|---|---|
| ____ | Field crew | ______ | −_____ | ______ | ______ |
| ____ | Field crew, second trade | ______ | −_____ | ______ | OT premium left in |
| ____ | Office | ______ | 0 | ______ | ______ |
| — | Sub, matching certificate | ______ | — | review | relationship checked |
| — | Sub, no certificate | ______ | — | ______ | ______ |
| Divergence vs the auditor, in dollars | ______ | ______ | |||
03How it works
You fill in the form with three facts and an email. The free check comes back within one business day. If you want the worksheet, you reply and pay, then send the payroll export (the report your payroll provider produces, with overtime shown separately if it can) and the declarations page of the policy; within two business days the worksheet is in your inbox, and you hand it to the auditor or to your broker. If the audit has already come back and you want the rebuttal packet, you send the audit statement and the same payroll export, and within three business days you have the recomputation and the letter. You or your broker sends the letter. We do not call the carrier, we do not file anything, and we do not speak to the auditor.
04Prices
| Price | What it includes |
|---|---|
| Free | Whether the premium portion of overtime should be excluded in your state, whether subs with certificates should be counted, and the auditor's document list, by email within one business day. If the bill looks right, the email says so.Free; nothing to refund. |
| $49 | The payroll-by-class-code worksheet from your payroll export and declarations page, overtime premium adjusted where the state rule and records permit, sourced officer limits or exclusions applied, subcontractor support listed, and the auditor's likely questions, within two business days.Refunded if we cannot produce the worksheet from the payroll export and declarations you send. No contingency. |
| $249 | The rebuttal packet: the audit statement recomputed line by line, every divergence in dollars, the dispute letter you or your broker sends, and the pre-renewal classification review, within three business days.Refunded if the recomputation finds no dollar difference from the carrier's statement. No contingency. |
| $49 | Broker worksheet, per client: the same worksheet prepared for an insurance broker to hand to a client, from the client's payroll export, within two business days.Refunded if we cannot produce the worksheet from the payroll export and declarations sent. |
05Why it costs what it costs
The price is flat because the work is a defined document and calculation, not a share of a recovery. The $49 tier turns the export and declarations page into a reconciled worksheet. The $249 tier starts with the carrier statement, performs the second calculation, and drafts the letter. The price does not change with the carrier’s response. There is no contingency, and auditors are often right.
Why the check is free
We are testing how often the overtime and subcontractor questions reveal a document problem that a worksheet can make clearer. A person reads the state and basic facts and replies by email. No payroll, policy number, or employee name belongs in that first form. If the facts point to a supported carrier calculation, the reply says so.
FROM THE RECORDWhat the official sources actually say
California’s published example keeps the straight-time pay in payroll and excludes only the extra half-time premium when the records show it.WCIRB Uniform Statistical Reporting Plan, overtime examples
Whether a person called a subcontractor is treated as an employee can be a factual question involving control, payment, equipment, and the true relationship.New York Department of Financial Services Opinion 08-03-02
06What this is not
- This is document preparation and arithmetic, not insurance advice. Reality Contact, LLC is not an insurance agent, adjuster, or licensed insurance consultant.
- We do not contact, negotiate with, or file anything with your carrier or a rating bureau. You or your broker sends the worksheet and the letter.
- Class codes are assigned by the carrier and the rating bureau. We show the work you describe beside the code the auditor used and the arithmetic that follows; we do not assign codes, and any class-code dispute goes through your broker.
- No contingency. The price is the price, whatever the bill does.
- Auditors are often right. If your bill looks right, the free check says so and we will tell you not to buy the packet.
- Operated by Reality Contact, LLC. Prices in USD. Refund conditions as stated.
07Questions people ask
- My subs carry their own comp. Why did the auditor count them as my payroll?
- A matching certificate supports that the named subcontractor carried coverage during stated dates, but it is not the only possible issue. The applicable state rule and the true work relationship can still matter. The worksheet matches the certificate, paid entity, work dates, agreement, and payment total so the carrier can state what remains disputed.
- Does overtime count?
- The straight-time portion counts. In most states the premium portion (the extra half of time-and-a-half) is excluded when your records show it separately; if your payroll export lumps it in, the auditor has no way to remove it. The free check tells you the rule for your state and the worksheet removes it where allowed.
- Can I just not respond to the audit?
- Policies let the carrier charge a noncompliance penalty when records are not produced, and cancel or refuse to renew. We could not verify the exact figure on the rating bureau's page this week, so we will not quote one, but it is the kind of number that makes the worksheet cheap by comparison.
- Will this make the bill go away?
- We do not know, and we will not say so. Auditors are often right. What you get is the arithmetic, laid out so the carrier can follow it, and a letter that states each point in dollars. If the recomputation finds no difference, the $249 is refunded.
- Do you work with my broker?
- Yes. The worksheet is made to be handed to a broker, and brokers can buy it directly for their clients at $49 each. Any argument about which class code applies belongs with the broker and the carrier; we give the broker the numbers.